How many departments does China Merchants Bank Credit Card Center have in China
China Merchants Bank Credit Card Center has 7839 departments in China. According to the relevant information, China Merchants Bank Credit Card Center has 7,839 credit card departments in China, and almost every city has a credit card department of China Merchants Bank.
what departments are there in the credit card center?
There are audit department, business department, finance department and collection department.
The credit card department manages all credit card affairs, including checking the credit qualification of credit card applicants, handling credit cards for qualified users, calculating the interest and service charges of credit cards, tracking the personal information of overdue users and recovering the arrears.
the credit card center mainly includes the following departments: audit department, business department, finance department and collection department.
The credit card center of a bank mainly has several large posts: management posts; Expanding jobs are the most jobs in bank credit card centers, and so are channel expanding jobs; Personnel and finance positions, responsible persons and finance, but many credit card centers of banks are not self-service finance, so they are not necessarily set up; There are many technical jobs, such as the development of new wealth management products, the development of mobile products, network maintenance and technical services. In addition to the above positions, the bank credit card center has also set up many other positions.
The job of a bank credit card center is to do business. Simply put, it is to let customers handle the credit card of their bank. Each bank credit card center handles credit card business. The credit card center is a huge department, which generally belongs to the secondary department of the bank, including risk control, customer service, gifts, joint activities and so on.
all functions of a credit card need to be managed by a credit card center. For example, card approval, credit rating, consumption account recording, risk control, credit card preferential activities, card integral management, etc. These are core functions, and are generally formal employees of the banking system. Like telephone customer service, it is generally outsourced.
the credit card center is relatively independent in management, similar to a branch, but under the management of the head office. However, the difference between a bank's credit card center and a bank lies in the management problem. Credit cards are generally run by a third-party organization, and only a few banks have people to dock business. Banks are internal, but the people recruited now are basically contract workers sent by the third-party labor department.
which department is responsible for the supervision of each credit card institution?
the supervision department of credit card centers of banks is CBRC.
China Banking Regulatory Commission: China Banking Regulatory Commission (hereinafter referred to as China Banking Regulatory Commission or CBRC; English: China Banking Regulatory Mission (English abbreviation: CBRC) was established on April 25th, 23, and it is a ministerial institution directly under the State Council. According to the authorization of the State Council, supervise and manage banks, financial asset management companies, trust and investment companies and other deposit-taking financial institutions in a unified way, and maintain the legal and steady operation of the banking industry.
a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.
credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.
from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).
On May 25th, 221, the Supreme People++promulgated and implemented the Provisions of the Supreme People++on Several Issues Concerning the Trial of Civil++Cases of Bank Cards.
what is the supervision department of the credit card center?
The supervision department of the credit card center is the Bank of China Insurance Regulatory Commission.
The main duties of the China Banking Insurance Regulatory Commission are to uniformly supervise and manage the banking and insurance industries in accordance with laws and regulations, maintain their lawful and steady operation, prevent and resolve financial risks, protect the legitimate rights and interests of financial consumers and maintain financial stability.
The credit card center belongs to the internal organization of the bank, and the bank is supervised by the Bank of China Insurance Regulatory Commission. Therefore, the supervision department of the credit card center is the Bank of China Insurance Regulatory Commission.
Extended information:
Finance is the core of modern economy, and we must attach great importance to preventing and controlling financial risks and ensuring national financial security.
in order to deepen the reform of the financial supervision system, solve the problems of unclear supervision responsibilities, cross-supervision and blank supervision existing in the current system, strengthen comprehensive supervision, optimize the allocation of supervision resources, better coordinate the supervision of systemically important financial institutions, and gradually establish a powerful and effective modern financial supervision framework that conforms to modern financial characteristics, makes overall coordination and supervision, and keeps the bottom line that systemic financial risks do not occur.
the State Council's institutional reform plan proposes to integrate the responsibilities of the China Banking Regulatory Commission and the China Insurance Regulatory Commission to form the Bank of China Insurance Regulatory Commission as a directly affiliated institution of the State Council.
in March, 218, the first meeting of the 13th National People's Congress voted and passed the decision on the institutional reform plan of the State Council, and established the Insurance Regulatory Commission of the Bank of China.
How about the credit card department of CITIC Bank?
Good.
1. The employee benefits are high. The credit card department of CITIC Bank buys five insurances and one gold in the first year of employees' employment, and the employee benefits are very good, so the company is very good.
2. The working environment is good. The credit card department of CITIC Bank has special cleaning staff every day, and the internal environment of the factory is good, so the company is very good.
what departments are there in the credit card center?
the credit card department manages all credit card affairs, including inquiring about the credit qualification of credit card applicants, handling credit cards for qualified users, calculating the interest and service charges of credit cards, tracking the personal information of overdue users and recovering the arrears.
the credit card center mainly includes the following departments: audit department, business department, finance department and collection department.
review the credit qualification of the applicant
when the user applies for a credit card from the bank, the review department of the credit card center should not only review whether the user's credit qualification meets the requirements for card opening, but also decide whether to open a credit card for the user and how much credit card is given according to the assets, credit qualification and loan quota under the user name.
this is a risk control department, mainly to prevent bad debts from appearing in banks as far as possible and ensure the normal flow of funds in banks.
the financial department calculates the financial situation of the bank
The financial part mentioned here does not calculate the interest and service fee for each card opening user, but carries out financial control from the macro perspective of the bank.
the bank will issue the credit line to each user who opens a credit card, and the finance department also needs to use these liquidity and profits to calculate whether the bank needs to invest and seek financial cooperation.
This department exists for the bank's profit, to ensure the bank's liquidity is sufficient, and to arrange the bank's funds properly.
collection department
Many credit card users may not be able to repay their credit card debts on time when their own economic situation is in trouble. At this time, it is necessary for the collection department to go out and minimize the risk of bad debts for the bank, and those that cannot be recovered will be handed over to the outsourcing department for dunning.
This department exists to reduce the risk of banks. The collection department will find the card issuer through all kinds of information of the card issuer, understand the reasons for the arrears, and actively recover the loans that cannot be repaid.
all departments of the credit card center complement each other and work together for the bank's capital security and risk control. We should also consider our own situation when handling credit card loans, and don't spend too much.
This is the end of the introduction of the credit card department and the work summary of the credit card department. Did you find the information you need from it?